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It is frequently around 1.2% over the 5 or 10 year US Treasury rates contrasted with 1.85-3% over the 5 or 10 year US Treasury rates for portfolio credit. A few CMBS credits have intrigue just installments. Since the rate is lower and borrowers are required to pay intrigue just, the LTV can be more than 75%. Low rates and high LTV are the key favorable position of course credit. auto title loans